Bitcoin was the pioneer use case proving that a blockchain could be used to transform consumer payments and the way asset ownership is passed. But that application was introduced to the world and launched into production in 2009. If this innovation holds so much promise for financial services, and industry at large, then why have we seen so few use cases launched into production in the nine years since then? Suppliers, consultants, and crypto enthusiasts talk boldly of a DLT enabled future, constrained only by our own imaginations. Chris will offer a practitioner's insight, sharing how TD views the opportunity associated with DLT and the challenges banks face in its development and adoption.